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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,493 | $75,962-83.6% | $154,111-91.9% | $64,173-80.5% |
| Participation rate | 23.3% | 70.4%-47.2pp | 83.0%-59.8pp | 69.6%-46.3pp |
| Annual return | -7.97% | 30.32%-38.3pp | 735.18%-743.2pp | 7.63%-15.6pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,138 | $3,175-64.1% | $5,081-77.6% | $3,470-67.2% |
| Admin fee / account holder | $718 | $5,589-87.2% | $13,411-94.6% | $4,887-85.3% |